The AI back-office for
housing agencies.
A deterministic-first compliance + bookkeeping platform purpose-built for Public Housing Agencies, HCV programs, federal grantees, and HUD itself. Everything PHA-Web does — plus continuous AI audit, automated reconciliation, NSPIRE physical-inspection prep, FASS-PH submission generation, and in-page Microsoft 365 integration.
The systems we plug into
HUD operates a constellation of online systems — most acronymed, most date back to the late 1990s. Our role: be the modern UI + AI layer that prepares and validates the data these systems need, while continuously auditing the underlying books. We compute and validate only — your team files with HUD using its own credentials; we never submit or transmit to HUD on your behalf.
Composite score: Physical (NSPIRE) + Financial (FASS-PH) + Management (MASS) + Capital Fund. Drives Troubled / Standard / High Performer status.
Score forecasting before submission; root-cause analysis for each pillar; remediation playbook.
2024 replacement for UPCS. Three inspectable areas (Unit, Inside, Outside); 89 defect codes; severity-weighted.
Pre-inspection self-audit; defect remediation tracker; trend analysis across portfolio.
Annual electronic financial statement submission. Mandatory FDS template; audited fin stmts uploaded; locks PHA's PHAS-Financial score.
Auto-generate FDS lines from bank+book data. Tie out to GAAP statements. Produces a submit-ready FDS package for your team to review.
Covers 26,000+ multifamily HUD properties (Section 8 PBV, 202, 811, Mark-to-Market).
Same FDS pipeline retargeted to MF chart of accounts.
Submitted via IMS/PIC for every tenant action (admission, recert, interim, end of participation). 50058 errors block voucher payments.
Validation before submission (error code catalog); auto-prep from tenant ledger; correction workflow.
The submission portal for HUD-50058. Tracks units, buildings, occupancy, demographics.
Validate + prepare 50058 records against the IMS/PIC error codes before your team uploads them; reconcile occupancy against our ledger. (We never write to IMS/PIC.)
HUD-operated income data source — Social Security, wage matches, new hires. Required for income verification on all subsidies.
Pull EIV data, reconcile against tenant-reported income, flag discrepancies before they become finding citations.
Monthly submission of HAP + admin fee usage. Drives funding for the next month.
Auto-prepare monthly VMS from our HAP register; pre-submission accuracy check; utilization forecasting.
14 indicators scored annually. Score below 60% = Troubled status, draws federal monitor.
Live score tracking across all 14 indicators. Alert on indicators trending below threshold; remediation guide.
HUD's grant-draw mechanism. Form HUD-52681 / 52681B for HCV draws.
Auto-build draw requests from our HAP register + admin fee accruals. Reconcile against authorizations.
The qualitative half of PHAS — vacancy, work orders, budget controls, deficiency rates.
Pull from our ops + AR data; pre-compute MASS pillars; surface what's dragging the score.
Annual formula grant for modernization. 5-year Action Plan; physical-needs assessment; obligation/expenditure deadlines.
Capital project tracking, deadline alerts, obligation-rate reporting, NSPIRE-driven prioritization.
Why a separate site
Housing finance is its own discipline.
A general-purpose AI bookkeeper doesn't know what a tenant accounts receivable subledger looks like, what FDS line 70300 means, what makes a HUD-50058 record fatal vs. fixable, or why your SEMAP “Reasonable Rent” indicator just dropped 8 points. This site lives inside that vocabulary.
We treat HUD as a partner, not just a regulator. The REAC opportunities page below is our public roadmap for what HUD itself could do faster if PHAs were running on this stack.
Live PHA tools
These aren't mockups — each links to a working tool that computes + validates your HUD figures from your own books. A human uploads to FASS-PH / IMS-PIC / the FAC with HUD credentials; Ledger Copilot never files.
Computes: Live FDS status from your books plus a readiness checklist (50058, FDS, VMS, Single Audit) with 9-month deadline math.
Tracks readiness only — it never files to FASS-PH; a person submits with HUD credentials.
Open tool →Computes: The consistency checks HUD's own systems run — FDS balance (24 CFR 902.33), VMS leasing/HAP, 50058 Total Tenant Payment (24 CFR 5.628), and the 50058 reporting rate — with a ready/blocked verdict.
Validates before a human uploads — it never files or transmits to HUD.
Open tool →Computes: Rolls your trial balance into the FDS statement groups with a reproducible account-level drill-through tie-out, plus the GASB-54 fund-balance framework.
Derives an audit-ready tie-out from your books — it never files.
Open tool →Computes: Total Tenant Payment and HUD-50058 family-report figures from the household's income (24 CFR 5.628).
Computes the figures — a person reports them to IMS-PIC; it never files.
Open tool →Computes: Your FYE-aware HUD due dates — FDS (unaudited + audited), VMS monthly, 50058, and the Single Audit.
Tracks dates only — it never files.
Open tool →Computes: LOCCS draw availability, EIV income reconciliation, NSPIRE inspection readiness, and Capital Fund obligation deadlines.
Computes + validates readiness — it never files to HUD.
Open tool →Computes: A printable working paper snapshotting the pre-submission verdict, the GL → FDS tie-out, and the readiness table — timestamped and signed by the reviewer.
Produces a working paper for a human reviewer — it never files to HUD.
Open tool →Computes: Payment standard within 90%–110% of the published FMR (24 CFR 982.503), rent reasonableness vs comparable rents (982.507), HAP + family share (982.505), and the 40% family-share cap at initial lease-up (982.508).
Validates a unit's rent — the FMR and comparables are your inputs, not a live HUD feed; it never files to HUD.
Open tool →Computes: Your SEMAP score across the 14 Housing Choice Voucher management indicators (24 CFR 985.3) and the resulting performer designation — high, standard, or troubled (24 CFR 985.103) — with key-indicator advisories.
A self-scoring worksheet for form HUD-52648 — it never files or submits to HUD.
Open tool →Computes: Your monthly VMS net position tied to the FDS lines REAC compares them against — restricted to FDS 511.4 and unrestricted to FDS 512.4 — plus voucher utilization, HAP, and admin fee.
Reconciles VMS to the FDS before a person submits — it never files to VMS or FASS-PH.
Open tool →Computes: The EIV-vs-tenant-certified income discrepancy with the substantial-difference flag (24 CFR 5.233 / 5.236) plus a repayment-agreement schedule + affordability check (PIH repayment-agreement guidance).
Computes the discrepancy + schedule for a person to investigate and collect — it never files to EIV/IMS-PIC.
Open tool →Computes: Each household's Total Tenant Payment (24 CFR 5.628) plus the HOTMA asset-eligibility screen — net family assets over the inflation-adjusted ceiling or ownership of real property suitable for occupancy flags ineligibility, with the de-minimis self-certification threshold surfaced (24 CFR 5.618).
Computes a per-household verdict for a human to act on — it never files or transmits to HUD.
Open tool →Talk to us
If you run a Housing Authority, work in a HUD field office, or are evaluating bookkeeping + compliance software for your agency — we want to talk. We're actively looking for pilot partners.